Computerized systems and methods for marketing vehicle financing offers

Abstract

A machine-implemented method for generating financing offers to a customer is disclosed. A plurality of original loan variables, including an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate for an open loan account associated with the customer is received. A proposed interest rate is derived at least partially from prevailing market rates, and a proposed remaining loan duration is received. A plurality of proposed loan variables, including a proposed periodic payment amount and a proposed payoff amount is generated from the original loan balance and at least one of the proposed interest rate and the proposed remaining loan duration. Proposed difference values are generated based upon a comparison of the proposed loan variables and the original loan variables.

What is claimed is: 
     
         1 . A machine-implemented method for generating financing offers to a customer, the method comprising:
 receiving a plurality of original loan variables for an open loan account associated with the customer, the original loan variables including an original periodic payment amount, an original remaining loan duration, an original loan balance, and an original loan interest rate;   deriving a proposed interest rate based partially upon prevailing market rates;   receiving a proposed remaining loan duration;   generating a plurality of proposed loan variables based upon the original loan balance and at least one of the proposed interest rate and the proposed remaining loan duration, the plurality of proposed loan variables including a proposed periodic payment amount and a proposed payoff amount; and   generating proposed difference values from a comparison of the proposed loan variables and the original loan variables, the proposed difference values including a periodic payment amount difference of a comparison between the proposed periodic payment amount and the original periodic payment amount, and a loan savings amount of a comparison between the proposed payoff amount and the original loan balance.   
     
     
         2 . The method of  claim 1 , wherein the proposed payoff amount includes an offset for a trade-in value of a subject of the open loan account and a new sale amount. 
     
     
         3 . The method of  claim 2 , wherein the subject of the open loan account is an automobile. 
     
     
         4 . The method of  claim 2 , wherein the offset includes a down payment tendered for the new sale amount. 
     
     
         5 . The method of  claim 1 , wherein the proposed payoff amount includes an offset for refinancing fees and costs, the proposed interest rate accounting for the offset of the refinancing fees and costs. 
     
     
         6 . The method of  claim 5 , wherein the offset of the refinancing fees and costs includes at least one of a program fees, prepaid finance charges, gap policy charges, servicing charges, taxes, and government fees. 
     
     
         7 . The method of  claim 1 , further comprising:
 querying a local dealer management system database for a sales record of the customer, the first sales record being linked to the open loan account associated with the customer and including the plurality of the original loan variables.   
     
     
         8 . The method of  claim 1 , further comprising:
 receiving personally identifying information from the customer;   querying a credit bureau database for a creditworthiness evaluation of the customer with the received personally identifying information;   wherein the proposed interest rate is derived at least partially based upon the creditworthiness evaluation of the customer.   
     
     
         9 . The method of  claim 8 , wherein deriving at least one of the proposed interest rate includes:
 querying a lender database for the proposed interest rate corresponding to the creditworthiness evaluation and the original loan balance therefor.   
     
     
         10 . The method of  claim 1 , wherein the proposed interest rate is derived from a lender rate sheet. 
     
     
         11 . The method of  claim 1 , wherein the proposed remaining loan duration is user-defined. 
     
     
         12 . The method of  claim 1 , wherein the original loan variables are received via input form elements output on a first segment of a computer generated user interface, each the original loan variables corresponding to a respective one of the input form elements. 
     
     
         13 . The method of  claim 12 , wherein the proposed loan variables are displayed in output form elements output on a second segment of the computer generated user interface, at least one of the proposed loan variables being visually aligned with a corresponding one of the original loan variables whereby a side-by-side visual comparison of the original loan variables and the proposed loan variables is made. 
     
     
         14 . The method of  claim 13 , wherein the proposed difference values are displayed in output form elements output on the second segment of the computer generated user interface. 
     
     
         15 . A system for generating financing offers, comprising:
 an original loan data input segment generated on a computer user interface and receptive to user inputs, the original loan data input segment including input elements for original loan data of an open loan account including at least one of an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate;   a proposed loan data output segment generated on the computer user interface in response to the input of the original loan data, the proposed loan data output segment including output elements for at least one of a proposed interest rate, a proposed remaining loan duration, a proposed periodic payment amount and a proposed payoff amount; and   a difference output segment generated on the computer user interface in response to the input of the original loan data, the difference output segment including output elements for a periodic payment amount difference and a loan savings amount;   wherein the proposed remaining loan duration and proposed interest rate is derived at least partially from prevailing market rates, and the proposed periodic payment amount and the proposed payoff amount are derived from the proposed interest rate, the original loan balance.   
     
     
         16 . The system of  claim 15 , further comprising:
 an offset input segment generated on the computer interface including a first input element for receiving a first offset for a trade-in value of a subject of the open loan account and a new sale amount.   
     
     
         17 . The system of  claim 16 , wherein the offset input segment includes an input element for receiving a second offset for a down payment tendered to the new sale amount. 
     
     
         18 . The system of  claim 14 , wherein the offset input segment includes an input element for receiving refinancing fees and costs. 
     
     
         19 . A non-transitory computer readable medium having computer-executable instructions for performing a method for generating financing offers to a customer, the method comprising:
 receiving on a computer with input form elements generated on a first segment of a computer-generated user interface a plurality of original loan variables for an open loan account associated with the customer, the original loan variables including an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate;   deriving a proposed interest rate based partially upon prevailing market rates;   receiving a proposed remaining loan duration;   generating a plurality of proposed loan variables based upon the original loan balance and at least one of the proposed interest rate and the proposed remaining loan duration, the plurality of proposed loan variables including a proposed periodic payment amount and a proposed payoff amount;   displaying the plurality of proposed loan variables in output form elements generated on a second segment of the computer generated user interface; and   generating proposed difference values from a comparison of the proposed loan variables and the original loan variables, the proposed difference values including a periodic payment amount difference of a comparison between the proposed periodic payment amount and the original periodic payment amount, and a loan savings amount of a comparison between the proposed payoff amount and the original loan balance.   
     
     
         20 . The computer-readable medium of  claim 19 , wherein at least one of the proposed loan variables is visually aligned with a corresponding one of the original loan variables whereby a side-by-side visual comparison of the original loan variables and the proposed loan variables is made. 
     
     
         21 . The computer-readable medium of  claim 20 , wherein the proposed difference values are displayed in output form elements generated on the second segment of the computer generated user interface. 
     
     
         22 . A method for marketing vehicle financing offers to a plurality of customers, the method comprising:
 querying a local dealer management system database for a plurality of sales records of customers, at least one of the queried sales records being linked to open loan accounts associated with respective ones of the customers, each open loan account including a plurality of original loan variables including at least one of an original periodic payment amount, an original loan remaining duration, an original loan balance, and an original loan interest rate;   retrieving the open loan accounts with one or more original loan variables matching a predetermined criterion;   deriving a proposed interest rate based partially upon prevailing market rates;   generating a plurality of proposed loan variables based upon the original loan balance and at least one of the proposed interest rate and a proposed remaining loan duration, the plurality of proposed loan variables including a proposed periodic payment amount and a proposed payoff amount;   retrieving customer contact data from the sales records associated with the retrieved open loan accounts;   generating a promotional document for the customers corresponding to the retrieved open loan accounts including the plurality of original loan variables and the plurality of proposed loan variables.   
     
     
         23 . The method of  claim 22 , wherein:
 the local dealer management system database is associated with a dealer; and   the promotional document for the customers including a contact information of the dealer.   
     
     
         24 . The method of  claim 23 , wherein each of the promotional documents is addressed with the respective customer contact data associated with the customers, the promotional documents being limited to customers within a predefined geographic distance from the dealer based upon an evaluation of the contact information of the dealer and the customer contact data. 
     
     
         25 . The method of  claim 24 , further comprising:
 receiving an appointment request from a one of the customers in response to the promotional document.   
     
     
         26 . The method of  claim 22 , further comprising:
 initiating telephone calls to each of the customers with the respective customer contact data using the promotional documents.   
     
     
         27 . The method of  claim 22 , wherein the predetermined criterion is the original interest rate being higher than a predetermined threshold interest rate. 
     
     
         28 . The method of  claim 22 , wherein the predetermined criterion is the original periodic payment amount being higher than a predetermined threshold periodic payment amount.